PAY PERIOD BUDGETING

Budget your money based on when you get paid and when your bills are due! Track your spending from pay period to pay period so you always know when your money is coming in and going out.

HOUSEHOLD EXPENSES

The next section covers your standard household expenses. These are things you would plan for to run your household. Dave Ramsey calls these expenses your 4 walls: housing, utilities, food, and transportation.

SAVINGS

You need to plan to save money each month. You may have planned to put away money in your emergency fund in the "off the top" section. But this designated savings section can include larger savings accounts for things like Christmas, vacation, and car replacement. These will likely line up with your sinking funds spreadsheet!

ANNUAL BUDGET OVERVIEW

The annual budget overview will give you an annual snapshot of how much money you're spending in each category. This spreadsheet accumulates data for all 4 quarters to give you a quick, at-a-glance view of your income, spending, saving, and investing for the entire year including percentages.

TRACK SINKING FUNDS

Using sinking funds to save for larger expenses? Track your individual sinking funds using one spreadsheet so you always know how much you have for things like Christmas, vacation, car maintenance and more! You'll have the space to include both additions and subtractions to these accounts each month.

TRACK NET WORTH

Track your net worth monthly so you can literally see your debt melting away and your net worth increasing!

OFF THE TOP EXPENSES

Our template is broken up into 4 categories. The first is known as the "off the top" section. These are the most important things you want to plan for each pay period. This includes things like giving, saving, and retirement.

PERSONAL EXPENSES

The personal expenses section is for fun things and items that might fluctuate from month to month. Personal spending, entertainment, clothing, pets, gifts, and coffee runs would all fall under this section.

SPENDING TRACKERS

You can use the spending trackers at the bottom of each quarterly budget to track your spending throughout the pay period. If you will have more than one transaction for a budget category, then you'll probably want to use one of the 12 spending trackers. This will include things like groceries, gasoline, entertainment, and personal spending. Once a new pay period begins, just reset your spending trackers!

QUARTERLY FORMS

This year our budget template is broken up into 4 quarters with 7 pay periods per quarter. If you're paid weekly, this budget planner will give you a snapshot for 6 months. If you're paid bi-weekly, twice monthly, or monthly, you'll be able to utilize this budget template for the entire year!

BUDGET PLANNER

Use our budget planner to create a budget for big events like Christmas and vacation. Need more? You can create as many copies as you necessary each year and rename them to suit your needs!

DEBT PAYOFF PROGRESS

Track your debt payoff each month using our debt payoff tracker. Track up to 12 different debts as you follow the snowball method to debt freedom.

Are you looking for a paper option?

Check out the NEW 2024 Budget Binder! This comprehensive budget planner will help you get your monthly budget under control. The 2024 Budget Binder has over 300 printables that follow Dave Ramsey's financial budgeting principles. You will finally take control of your money this year! Build your savings, pay off debt, plan for the future, and give yourself permission to spend.

Grab yours here or in one of our budgeting bundles below!